January 2009 |
Thursday, January 15, 2009 |
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Keep Your Estate Plan Flexible
 Estate planning has become more difficult in recent years due to changing estate tax laws. All these changes can make it difficult to determine whether your estate plan should be revised due to new changes. Thus, it is increasingly important to build flexibility into your estate plan.
[FULL ARTICLE]
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Gifting Considerations
 Deciding whether you should give a significant asset to an heir during your life or after your death has typically involved weighing potential estate tax costs against capital gains taxes that would be due when the asset is sold.
[FULL ARTICLE]
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What Happens if You Become Disabled?
 For many people, a long-term disability would be financially devastating. Although no one likes to think about this possibility, you should consider your options now so you can obtain disability income insurance if needed.
[FULL ARTICLE]
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Watch Out for These Portfolio Mistakes
 Investing is a gradual process - purchasing some investments and selling others as the years go by. After a period of years, this can result in a mixture of investments that don't fit your overall investment strategy. Thus, periodically review your portfolio, watching out for these mistakes.
[FULL ARTICLE]
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Painful Lessons about Saving for Retirement
 First, the stock market declines in 2000 and during the past year removed substantial gains from individuals' net worths. Now, the decline in housing values has reduced people's net worths even more. For instance, the Center for Economic and Policy Research estimates that the average net worth of individuals between the ages of 45 and 54 is 25% less than it was in 2004, due to declining home prices.
[FULL ARTICLE]
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Michael has been helping investors achieve their goals for the past eight years. He began his career with Fidelity Investments, and then in 2002 he launched his independent advisory practice.
Michael is among a select group of 150 investment professionals in the US to hold certifications in wealth preservation (CWPP) and asset protection (CAPP). Using this expertise, Michael helps our clients to minimize tax expense, protect their assets, and plan their estates with some of the most effective strategies available to investors and business owners anywhere today. He also holds Series 7, 63, and 65 securities licenses.
Michael currently resides in Prosper, Texas with his wife Barbara, and son Zachary.
Feel free to contact Michael via e-mail at
michael@selectwealth.net
or visit our Web site
www.selectwealth.net
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Published by Michael Sylkatis
Copyright © 2008 Integrated Concepts Group, Inc.. All rights reserved.
Securities and advisory services offered through VSR Financial Services, Inc., a registered investment adviser and member FINRA/SIPC. Select Wealth Management and VSR Financial Services are not affiliated companies.
Some information provided in this newsletter was prepared by Integrated Concepts. This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. Professional advisers should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material. |
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